The Ramsey Show Financial Victories Don't Happen Without Sacrifices
Dec 16, 2025
Discover how to grow your Turo business without falling into debt. Learn the importance of discussing finances with your partner before marriage. Hear practical advice on cash-flowing college while managing debt and the emotional hurdles of budgeting post-loss. Get insights into prioritizing retirement savings after paying off your mortgage. Understand the reasons behind putting 20% down on a home and why consistent investing beats market timing. Plus, tips on handling unexpected financial shortages and making small, meaningful gifts in relationships.
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Grow With Cash, Not Debt
- Grow a small business organically by reinvesting profits rather than borrowing heavily.
- Dave Ramsey warns to "pay cash as you go" to avoid being crushed if the industry disrupts.
Make Money Talks A 'Must' Before Marriage
- Start the money conversation by explaining money is the top cause of divorce and you need alignment.
- Dave Ramsey says if a partner refuses joint planning, that signals they may not want marriage-level commitment.
What To Do When Your Mortgage Is Paid
- After paying off your mortgage, keep a three-to-six month emergency fund first.
- Then put 15% of income into retirement, give steadily, and enjoy some money regularly.
